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Discover our 3-step proven process.

We guarantee self-employed people avoid the uncertainty and frustration of getting approved for a mortgage.

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The Benefits of a SEMS Mortgage

No Tax Returns Needed

Most banks and brokers need your tax returns


We are fully licensed and regulated by FSRAO

Low Rates

You will receive the lowest rates in Canada

No Hidden Fees

All rates are presented up front and never changed

SEMS Proven 3-Step Process

Lightening Quick Application

Breeze through the easy to use online application with secure technology that protects your information.

Mortgage Genius Technology

We combine proven technology with the most experienced self-employed mortgage brokers to get you the best deal.

Fast Approval

We will call you within 7 minutes to confirm your rate and amount you are approved for. You will receive e-mail confirmation for your records.

(during our regular business hours)

No obligation and no credit check without permission

Our numbers speak for themselves.

$21 Billion

funded mortgages

60,000 +

clients helped

Expert advice at your fingertips.

Our self-employed mortgage experts are available seven days a week to answer all of your questions.

Your easy mortgage approval starts today.

Enjoy a stress free online process that's designed for the business owner who wants to focus on growing their business, not an out of date and stressful mortgage process.

Mon: 9am to 7pm

Tue: 9am to 7pm

Wed: 9am to 7pm

Thu: 9am to 7pm

Fri: 9am to 7pm

Sat: Appointment Only

Sun: Appointment Only

Copyright SEMS© 2020. All rights reserved. Privacy Policy

2301 Queen Street East, Toronto, ON M4E 1G7

SEMS has chosen to partner with Canada’s number 1 mortgage company, Dominion Lending Centre’s. Dominion Lending Centre’s Estate Mortgages FSCO 11363 is the brokerage that holds our licenses. Each office is independently owned and operated. All our agents are licensed and will provide their FSCO license number in their email signature.